Follow the dollars · Assumption only
A complete cash picture for Dec 8, 2026
Your down payment$157,356Cash toward the purchase price.
Closing costs + prepaids$8,394Not just lender fees.
Before credits & paid funds$165,750The complete starting cash picture.
Estimated remaining funds due at closing
$165,750No credits or earnest money applied yet.
Bridge the purchase gap
From the price to what is still due.
Full purchase gap at closing$157,355.77
Your down payment$157,355.77
Closing costs + prepaids$8,393.77
Total buyer cash needed$165,749.53
Remaining funds due$165,749.53
Closing costs, itemized
Fees first, then prepaids and escrow.
Assumption fee$763.00
Credit report$200.00
Tax service$80.00
UMe assumption specialist (1%)$2,349.00
Title & settlement$1,825.00
Recording fee$100.00
VA funding fee (0.5%)$387.72
Home insurance (12 months up front)$1,800.00
Insurance escrow (3 months)$450.00
Property tax escrow (3 months)$243.25
Prepaid interest, first (24 days)$195.79
Fees + prepaids$8,393.77
Your down payment is the seller’s equity. You take over the $77,544 balance, so the rest of the $234,900 price is paid at closing. A second mortgage can cover part of it. $165,749.53 is due at closing. Uses and sources reconcile at $243,293.77 each. Not a Closing Disclosure.